<ARTICLE>                                            9
<LEGEND>
The  schedule  contains  summary  financial   information  extracted  from  the
quarterly  report on Form 10-QSB for the fiscal quarter ended September 30, 1998
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                                   1,000
       
                             
<PERIOD-TYPE>                   3-mos
<FISCAL-YEAR-END>                              Jun-30-1998
<PERIOD-END>                                   Sep-30-1998
<CASH>                                          9,162
<INT-BEARING-DEPOSITS>                          1,479
<FED-FUNDS-SOLD>                                0
<TRADING-ASSETS>                                0
<INVESTMENTS-HELD-FOR-SALE>                     2,680
<INVESTMENTS-CARRYING>                          0
<INVESTMENTS-MARKET>                            0
<LOANS>                                         68,888
<ALLOWANCE>                                     215
<TOTAL-ASSETS>                                  89,369
<DEPOSITS>                                      53,511
<SHORT-TERM>                                    284
<LIABILITIES-OTHER>                             832
<LONG-TERM>                                     18,659
<PREFERRED-MANDATORY>                           0
<PREFERRED>                                     0
<COMMON>                                        9
<OTHER-SE>                                      16,074
<TOTAL-LIABILITIES-AND-EQUITY>                  89,369
<INTEREST-LOAN>                                 1,484
<INTEREST-INVEST>                               93
<INTEREST-OTHER>                                129
<INTEREST-TOTAL>                                1,706
<INTEREST-DEPOSIT>                              744
<INTEREST-EXPENSE>                              294
<INTEREST-INCOME-NET>                           668
<LOAN-LOSSES>                                   9
<SECURITIES-GAINS>                              0
<EXPENSE-OTHER>                                 493
<INCOME-PRETAX>                                 327
<INCOME-PRE-EXTRAORDINARY>                      327
<EXTRAORDINARY>                                 0
<CHANGES>                                       0
<NET-INCOME>                                    225
<EPS-PRIMARY>                                   .15
<EPS-DILUTED>                                   .15
<YIELD-ACTUAL>                                  0
<LOANS-NON>                                     24
<LOANS-PAST>                                    0
<LOANS-TROUBLED>                                0
<LOANS-PROBLEM>                                 0
<ALLOWANCE-OPEN>                                206
<CHARGE-OFFS>                                   0
<RECOVERIES>                                    0
<ALLOWANCE-CLOSE>                               215
<ALLOWANCE-DOMESTIC>                            215
<ALLOWANCE-FOREIGN>                             0
<ALLOWANCE-UNALLOCATED>                         215